PT BFI Finance Indonesia Tbk(ID:BFIN)
Rp725.00+0.00 (+0.69%)
ID:BFIN
PT BFI Finance Indonesia Tbk financials statements
Rp725.00
At close:+0.00 (+0.69%)
PT BFI Finance Indonesia Tbk (BFIN) Ratios
PT BFI Finance Indonesia Tbk Ratios
ID:BFIN's free cash flow for Q3 2026 was Rp540.06B. For the 2026 fiscal year, ID:BFIN's free cash flow was decreased by Rp-14.48B and operating cash flow was Rp554.54B. See a summary of the company’s cash flow.
| Ratios | Dec 25 | Dec 24 | Dec 23 | Dec 22 | Dec 21 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 2.43 | 2.98 | 60.91 | 3.14 | 33.22 |
| Quick Ratio | 2.43 | 2.98 | 60.91 | 3.14 | 33.22 |
| Cash Ratio | 0.15 | 0.20 | 4.66 | 0.16 | 2.18 |
| Solvency Ratio | 0.12 | 0.12 | 0.13 | 0.15 | 0.15 |
| Operating Cash Flow Ratio | 0.14 | 0.06 | 0.74 | -0.53 | 1.22 |
| Short-Term Operating Cash Flow Coverage | 0.15 | 0.07 | 0.04 | -0.59 | 0.14 |
| Net Current Asset Value | Rp 9.53T | Rp 9.02T | Rp 8.24T | Rp 7.70T | Rp 6.55T |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.53 | 0.55 | 0.56 | 0.54 | 0.47 |
| Debt-to-Equity Ratio | 1.28 | 1.35 | 1.41 | 1.35 | 0.98 |
| Debt-to-Capital Ratio | 0.56 | 0.57 | 0.58 | 0.57 | 0.49 |
| Long-Term Debt-to-Capital Ratio | 0.29 | 0.39 | 0.58 | 0.40 | 0.49 |
| Financial Leverage Ratio | 2.39 | 2.47 | 2.53 | 2.50 | 2.10 |
| Debt Service Coverage Ratio | 0.27 | 0.27 | 0.27 | 0.34 | 0.36 |
| Interest Coverage Ratio | 3.10 | 9.14 | 8.02 | 15.44 | 6.79 |
| Debt to Market Cap | 1.26 | 0.97 | 1.20 | 0.75 | 0.63 |
| Interest Debt Per Share | 944.21 | 930.51 | 909.41 | 799.43 | 500.41 |
| Net Debt to EBITDA | 3.86 | 5.11 | 4.64 | 4.26 | 3.61 |
| Profitability Margins | |||||
| Gross Profit Margin | 93.71% | 64.30% | 65.97% | 65.85% | 64.23% |
| EBIT Margin | 44.82% | 35.23% | 37.66% | 46.32% | 42.11% |
| EBITDA Margin | 47.97% | 38.74% | 40.81% | 49.12% | 45.39% |
| Operating Profit Margin | 44.92% | 35.10% | 37.84% | 42.98% | 37.26% |
| Pretax Profit Margin | 30.34% | 31.39% | 32.94% | 43.53% | 36.62% |
| Net Profit Margin | 24.33% | 25.49% | 26.74% | 35.13% | 29.36% |
| Continuous Operations Profit Margin | 24.32% | 25.49% | 26.74% | 35.13% | 29.36% |
| Net Income Per EBT | 80.17% | 81.22% | 81.17% | 80.70% | 80.18% |
| EBT Per EBIT | 67.55% | 89.42% | 87.04% | 101.28% | 98.28% |
| Return on Assets (ROA) | 6.21% | 6.23% | 6.85% | 8.24% | 7.24% |
| Return on Equity (ROE) | 14.85% | 15.37% | 17.31% | 20.64% | 15.23% |
| Return on Capital Employed (ROCE) | 18.91% | 12.62% | 9.85% | 14.47% | 9.45% |
| Return on Invested Capital (ROIC) | 9.52% | 7.20% | 6.05% | 8.40% | 6.04% |
| Return on Tangible Assets | 6.25% | 6.28% | 6.93% | 8.29% | 7.26% |
| Earnings Yield | 14.68% | 11.01% | 9.38% | 11.44% | 6.43% |
| Efficiency Ratios | |||||
| Receivables Turnover | 0.29 | 0.28 | 0.29 | 0.26 | 0.28 |
| Payables Turnover | 2.44 | 11.01 | 13.40 | 13.28 | 17.61 |
| Inventory Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Fixed Asset Turnover | 8.16 | 7.74 | 7.58 | 7.30 | 5.94 |
| Asset Turnover | 0.26 | 0.24 | 0.26 | 0.23 | 0.25 |
| Working Capital Turnover Ratio | 0.43 | 0.32 | 0.34 | 0.36 | 0.27 |
| Cash Conversion Cycle | 1125.01 | 1293.30 | 1216.88 | 1371.97 | 1283.11 |
| Days of Sales Outstanding | 1274.68 | 1326.44 | 1244.13 | 1399.46 | 1303.83 |
| Days of Inventory Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Days of Payables Outstanding | 149.67 | 33.14 | 27.25 | 27.49 | 20.72 |
| Operating Cycle | 1274.68 | 1326.44 | 1244.13 | 1399.46 | 1303.83 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | 91.80 | 32.55 | 18.40 | -235.16 | 36.25 |
| Free Cash Flow Per Share | 80.63 | 22.88 | -5.70 | -253.18 | 27.86 |
| Dividend Paid and CapEx Coverage Ratio | 1.20 | 0.50 | 0.22 | -4.19 | 1.09 |
| Capital Expenditure Coverage Ratio | 8.21 | 3.37 | 0.76 | -13.05 | 4.32 |
| Operating Cash Flow Coverage Ratio | 0.10 | 0.04 | 0.02 | -0.30 | 0.07 |
| Operating Cash Flow to Sales Ratio | 0.22 | 0.08 | 0.05 | -0.68 | 0.14 |
| Free Cash Flow Yield | 11.52% | 2.42% | -0.49% | -24.00% | 2.37% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 6.81 | 9.08 | 10.66 | 8.74 | 15.54 |
| Price-to-Sales (P/S) Ratio | 1.66 | 2.32 | 2.85 | 3.07 | 4.56 |
| Price-to-Book (P/B) Ratio | 1.01 | 1.40 | 1.84 | 1.80 | 2.37 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 8.68 | 41.31 | -204.23 | -4.17 | 42.18 |
| Price-to-Operating Cash Flow Ratio | 7.62 | 29.03 | 63.33 | -4.49 | 32.41 |
| Price-to-Earnings Growth (PEG) Ratio | -5.41 | -1.89 | -1.13 | 0.15 | 0.25 |
| Enterprise Value Multiple | 7.32 | 11.08 | 11.62 | 10.51 | 13.66 |
| Enterprise Value | 22.82T | 26.36T | 29.17T | 26.55T | 23.89T |
| EV to EBITDA | 7.32 | 11.08 | 11.62 | 10.51 | 13.66 |
| EV to Sales | 3.51 | 4.29 | 4.74 | 5.16 | 6.20 |
| EV to Free Cash Flow | 18.38 | 76.60 | -339.98 | -7.00 | 57.31 |
| EV to Operating Cash Flow | 16.15 | 53.84 | 105.42 | -7.54 | 44.04 |
| Tangible Book Value Per Share | 682.61 | 663.74 | 614.69 | 575.38 | 492.77 |
| Shareholders’ Equity Per Share | 691.93 | 676.96 | 631.61 | 584.65 | 496.49 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.20 | 0.19 | 0.19 | 0.19 | 0.20 |
| Revenue Per Share | 422.35 | 408.12 | 408.82 | 343.40 | 257.48 |
| Net Income Per Share | 102.74 | 104.05 | 109.31 | 120.65 | 75.60 |
| Tax Burden | 0.80 | 0.81 | 0.81 | 0.81 | 0.80 |
| Interest Burden | 0.68 | 0.89 | 0.87 | 0.94 | 0.87 |
| Research & Development to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A to Revenue | 0.09 | 0.09 | 0.09 | 0.10 | 0.12 |
| Stock-Based Compensation to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Income Quality | 0.00 | 0.00 | 0.17 | 0.00 | 0.48 |
Currency in IDR
